Know Your Medicare Anti-Discrimination Guidelines


Maintaining high ethical standards and anti-discrimination policies are hallmarks of good business practices. Marketing Medicare services is no exception. Centers for Medicare and Medicaid Services (CMS) has created strict guidelines to ensure that brokers treat all beneficiaries equally.

What Are All of the Medicare Anti-Discrimination Categories?

According to CMS rules (MMG, Section 30.1), brokers may not discriminate based on race, ethnicity, national origin, religion, sex, gender, age, mental or physical disability, health status, claims experience, medical history, genetic information, evidence of insurability, or geographic location.

Are Brokers Allowed to Target Marketing Efforts to People Based on Income?

No.

Are Brokers Allowed to Target Seniors?

No. Brokers are not allowed to suggest that certain plans are available to “seniors” rather than all Medicare beneficiaries.

Can Brokers Target Individuals With Disabilities?

No. Upon request, you may provide information on Special Needs Plans (SNPs) and MMPs Basic services for disabled prospects.

Do Other Anti-Discrimination Rules Apply When Creating Marketing Material?

Yes. Brokers must comply with their obligations under other anti-discrimination rules and requirements.

Where Can I Get More Medicare Marketing Guidance?

Our resource center is available 24/7 to give you the help you need with Medicare guidelines, sales advice, and more to keep your business on track. To learn more about the Excelsior team and how we can help you, contact us.

Sources: https://www.cms.gov/Medicare/Health-Plans/ManagedCareMarketing/CY2019_Medicare_Communications_and_Marketing_Guidelines.pdf | https://www.medicareinteractive.org/get-answers/overview-of-medicare-health-coverage-options/changing-medicare-health-coverage/the-five-star-rating-system-and-medicare-plan-enrollment/

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References
https://www.cms.gov/Medicare/Health-Plans/ManagedCareMarketing/CY2019_Medicare_Communications_and_Marketing_Guidelines.pdf

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